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If you are under the age of eighteen (18), or age of majority in your state or country of residence, you may only use Payments Features (defined herein) through the Meta Products with the involvement of your parent or guardian. Make sure that you review the Payments Terms with your parent or guardian so that you both understand all of your rights and responsibilities.

We have provided some section headers for your convenience, but you should carefully read through these Community Payments Terms (the "Payments Terms") in order to understand your rights and responsibilities, as well as ours.

Capitalised terms used but not defined herein shall have the meaning set forth in our Terms of Service ("Terms").

By agreeing to these Payment Terms and if you are a business entity, you represent and warrant that a) you are duly authorised to do business in the country or countries where you operate; b) your employees, officers or representatives accessing payment services through the Meta Products are duly authorised and able to legally bind you to these Payment Terms and all payment transactions conducted under your username and password; and c) your access and/or use of the Meta Products are for solely or primarily for business or commercial purposes, and not for personal, family or household purposes.

1. Available payment features. Meta provides technology that enables you to add and store payment instruments, and initiate, accept and manage transactions, and related functions in or through Meta Products, and other products provided by Meta (collectively, "Meta Products"), and/or its Payment Partners (as defined herein), all of which are "Payment Feature(s)".
1. Payment transactions. When you use a Payment Feature, you agree to be bound by these Payments Terms and to provide a valid payment instrument. When you successfully add your payment instrument to your account (see Clause II below), you can initiate a payment transaction using the Payments Features through Meta Products or we may initiate a payment transaction on your behalf based on your authorisation. For clarity, a payment instrument includes a credit card, debit card, bank account number and other payment methods that enable electronic funds transfers, debits and credits as expressly permitted by Meta from time to time.
2. Processing and settlement. Certain Payment Features may be provided or processed by third-party payment service providers, including, but not limited to, digital wallets, payment initiation service providers or banks (collectively, "Payment Partners"). Except for Meta-processed Payments, Meta does not hold user funds, or initiate or process payments in connection with the Payment Features provided by Payment Partners. Settlement timelines, fees, reserves, chargebacks, reversals and refunds may be governed by Partner Terms, payment network rules or the terms of your payment instrument issuer, wallet provider or bank, as applicable. Your use of the Payment Features constitutes your acceptance of these Payment Terms and, where applicable, Payment Partners' Terms ("Partner Terms"). To the extent of any conflict between the Partner Terms and these Payment Terms, the Partner Terms govern your relationship with that Payment Partner, and these Payment Terms govern your relationship with us.
3. Available payment instruments. For your convenience, we may allow you to fund your transactions using a number of different payment instruments, such as credit cards, debit cards and Facebook gift cards. We reserve the right to add or remove permitted payment methods (e.g. credit cards) from time to time. You can store your payment instrument, and you can add, update or remove payment instruments to or from your account at any time through the applicable settings. You agree to keep your stored payment instrument(s) up to date. If we participate in a card account updater service, you authorise us to contact your payment instrument issuer or payment network to obtain up-to-date information about your payment instrument, and to automatically update your payment instrument, including your account number or expiry date, if such information is available.
4. Authorisation. By funding a transaction or providing a payment instrument to us or our third-party service providers: (i) you confirm that you are authorised to use that payment instrument, or that you authorised another person to use it; and (ii) you authorise us (and our third-party service providers) to charge up to the full amount to your payment instrument(s), and to debit, credit or initiate entries to your payment instrument(s) to process transactions, refunds, adjustments, fees, chargebacks (if available), reversals (if available) and other amounts that you owe.
5. Relevant fees. You are responsible for any fees charged in connection with your use of the payment instrument (if applicable), such as currency conversion, processing, network, wire transfer or transaction fees. These fees may be charged by third parties. You are also responsible for chargebacks and associated fees, and obtaining refunds, and we may offset chargebacks, fees, fines, penalties, assessments and other related costs against amounts owed to you, or by debiting your account.
6. Payment instrument information. You are solely responsible for providing accurate information associated with your payment instrument needed to enable payments to or through Meta. You permit us to share your payment instrument details and other information as necessary to process your payment. You also authorise us to collect and store that payment instrument, along with other related transaction information.
7. Refunds. Any refund that we owe to you may be credited to the same payment instrument that you used for the original payment transaction. We reserve the right to decline requests for a refund, credit your refund to another payment instrument or provide a product credit (e.g. ad credit) into your account or by other means that we or the third-party merchant deem appropriate.
8. Pre-authorisation hold. If you pay by credit or debit card, we may obtain a pre-authorisation from the payment instrument issuer for an amount, which may be as high as the full price of your payment. Such pre-authorisation may appear as a "hold" on your credit card or funds in the account associated with your debit card. Your card will be charged at the time that a payment is initiated, or shortly thereafter. If you cancel a transaction before completion, this pre-authorisation may result in credit or funds not being immediately available to you until your payment instrument issuer releases the hold.
9. Failed payments. If your transaction results in an overdraft or other fee from your payment instrument issuer, bank or third parties due to going over your credit limit or having insufficient funds in your account, your payment instrument issuer or bank may charge you a fee and you alone are responsible for that fee.
2. Pricing. Pay attention to the details of the transaction, because your total price may include Taxes, fees and delivery costs, or estimates thereof, all of which you are responsible for paying. We reserve our right to adjust our pricing, fees, costs, as applicable, from time to time, and will provide notice prior to such adjustments. If you do not agree with such adjustments, discontinue use of the applicable paid Meta Products before your next billing cycle.
3. Taxes. You are responsible for providing us with true and accurate information about you and your business for tax and compliance purposes. We may obtain information about you/your business from third parties for tax and compliance purposes.
   1. Definitions. As used herein: (1) "Taxes" means any and all applicable taxes, duties, imposts, levies and other similar governmental charges imposed by any federal, state, local or foreign governmental authority, including, but not limited to: sales and use tax; value-added tax (VAT); goods and services tax (GST); excise tax; gross receipts tax; Withholding Tax; import and export duties; and any related interest, penalties or fines. For the avoidance of doubt, "Taxes" does not include taxes based on the net income, franchise or business and occupation of either party; and (2) "Withholding Taxes" means any Taxes that a party is required by applicable law to deduct or withhold from payments made to the other party and remit to the appropriate governmental authority.
   2. Responsibilities. You are responsible for Taxes arising from your transactions, except where we, our Payment Partners or the merchant collect and remit Taxes as required by law. You authorise us, our Payment Partners and the third-party merchant to calculate, collect and remit taxes where applicable, and to rely on information that you or the third-party merchant provides. If applicable to you, we may request, and you agree to provide, information needed to satisfy tax reporting or Withholding Tax obligations. We may report your transaction activity to tax authorities, and withhold taxes from payouts, where required by law. Invoiced amounts and all other amounts payable by you may be inclusive of any applicable tax, duty, levy or other governmental charge, including, but not limited to, Taxes. If applicable, these Taxes will be separately itemised on your invoice.
   3. Third-party service providers. If you are using third-party IAP (in-app purchase) services to pay, you will be shown the transaction amount plus applicable fees and taxes determined by the third-party service provider in accordance with their relevant terms and conditions with you.
4. Extra terms. You may be presented with additional terms (such as delivery terms for tangible goods). By proceeding with or confirming the transaction, you agree that those additional terms will also govern that transaction.
5. Foreign exchange. If your transaction requires a currency exchange, including between fiat and cryptocurrency, we will use the most recent foreign exchange rates sourced by one or more external vendors. Where applicable, we aim to upload files from our vendors with the current exchange rates into our system on a daily basis. However, these processes could be delayed or fail for any number of reasons. If this happens, the foreign exchange rates used will be the ones from the last file received, typically, the ones from the previous day. We reserve the right to reject any currency for any reason at any time.
6. Subscriptions. If you purchase an auto-recurring periodic subscription from us, you authorise us to bill your payment instrument immediately and then again at the beginning of each subscription period, according to the applicable subscription terms and until you cancel your subscription. Cancellations will apply to the next billing period. Except as otherwise set forth in the terms of your subscription, the following terms apply for subscriptions purchased using payment services through the Meta Products:
   1. If a free trial period is offered and you do not cancel during this trial period, and if you have given any consents if required by law, you will be billed at the end of the free trial period and at the beginning of each subsequent subscription period. To avoid any charges, you must cancel before the end of the trial period.
   2. We will continue to bill your payment credential each subscription period until you've cancelled. To avoid being charged your next subscription payment, you must cancel at least 24 hours before your next scheduled payment date.
   3. If you cancel a subscription, you will still have access to the app or feature that you subscribed to until the end of the subscription period. You will not receive a refund for the current billing period, except in the event of defect or as otherwise set out in any applicable subscription terms.
   4. When you purchase a subscription, you will initially be charged at the rate applicable at the time of your agreement to subscribe. If the price of the subscription increases later, we will notify you. The increase will apply to the next payment due from you after the notice, provided that you have been given prior notice as required by law, and in no case less than 10 days prior notice before the change is made. If you are given less than the applicable notice period, the price increase will not apply until the payment after the next payment due. If you do not wish to pay the increased price for a subscription, you may cancel the subscription in the manner described in the applicable subscription terms or in the Help Centre.
   5. This Section 6 does not apply to subscriptions purchased from a third party through any of the Meta Products. Any such subscription terms, including cancellation and subscription period are between you and the third party from whom you purchased your subscription and you should contact that third party, and not Meta, for any questions related to your subscription. Notwithstanding the foregoing, when using Meta Products and making a purchase using Apple in-app purchase ("Apple IAP") functionality integrated into Meta Products, you hereby grant Meta the right to initiate refunds on your behalf to Apple, Inc. ("Apple") for any purchase and payment transactions, including non-recurring transactions, made using Apple IAP. This includes, but is not limited to, refunds due to errors, disputes or customer services issues, and fraudulent transactions. Refunds will be initiated under circumstances deemed necessary by Meta. All refunds initiated by Meta on your behalf will comply with Apple's refund policies and applicable laws and regulations. You acknowledge and agree that Meta will not be held liable for any losses or damages resulting from refunds initiated by us on your behalf to Apple.
7. Advertising/Other Services: If you purchase an advertisement, or certain other business services from us, you authorise us to charge the payment instruments for those services. We may charge you for these services using one or more payment options, including: (a) prepayment for services; (b) post-pay, where we will automatically bill your payment instrument(s) on the applicable due dates or when your payment threshold or limit is met, or you may have the option to initiate payment to Meta; and (c) post-pay, where you will be invoiced for the amount outstanding, with payment due 30 days from the invoice date or as otherwise expressly stated in Meta's terms. Some payment options may be recurring or set up on a subscription basis.
8. Person-to-person transfers. Person-to-person transfer of funds ("P2P") may be made available at our sole discretion. If you use P2P in the Messenger service, you consent to the following terms:
   1. You may not use P2P if you are under the age of 18.
   2. We may require that you provide more information in order to complete a transaction.
   3. P2P is not intended to be used for business, commercial or merchant transactions and such use may be discontinued without notice by us at any time. We may reverse or place a hold on your transactions or place funds in reserve if evidence of business, commercial or merchant use is discovered.
   4. If you receive and accept a P2P transfer, you are liable to us for the payment transferred and third-party fees that result from invalidation of that payment. This includes, but is not limited to, reversed payments or if you lose a claim or a chargeback. We reserve the right to charge your payment instrument or take any other legal action to collect the funds to the full extent allowed by applicable law.
   5. P2P must be used in compliance with applicable law and may not be used in connection with any illegal or illicit transaction. In addition, payments relating to the following activities are prohibited regardless of whether the activity is illegal in your location: (a) weapons, ammunition or explosives; and (b) gambling, games of skill, lotteries, raffles or fantasy sports. If illegal, illicit or otherwise prohibited transactions are reported or discovered, we reserve the right to take action including, without limitation, the following, without notice to you: place a hold on your transactions, place your funds in reserve, limit your ability to use payments features through the Meta Products, report the activity to authorities or deactivate your account entirely.
   6. P2P use is at your sole risk and we assume no responsibility for the underlying transaction of funds, or the actions or identity of any transfer recipient or sender. Disputes regarding funds are between you and the sender of a payment. If a sender files a claim for a chargeback after a P2P transaction, we are not responsible for determining the veracity of claims or the disposition of the payment.
   7. Minnesota residents: To opt out of P2P, please send written notice of your choice to: Meta Payments Inc. (NMLS ID 918740), 1 Meta Way, Menlo Park, CA, 94025, US. Note that opting out of P2P may affect your ability to make other transactions using payments features through the Meta Products.
9. Payments to Developers in the US. We serve as a limited payment collection agent for some developers offering content through the Meta Products, and we are authorised to accept payment from you on behalf of those developers for purchase of that content. Your full payment to us of the transaction price for a developer's content constitutes payment to that developer and satisfies your payment obligations to that developer for the purchased content.
10. Payments to Developers in the European Economic Area. To make a payment to a developer offering content through the Meta Products, you must use the account that we provide to you, which can only be used to purchase digital content through the Meta Products. You can top up this account using a variety of payment methods, such as a credit card, debit card or Facebook gift card. Where you make a payment to a developer offering content through the Meta Products in the European Economic Area, this is not a regulated payment service. Therefore, with respect to this payment service, you acknowledge that you will not benefit from the customer protections available to payment service users under the applicable regulatory framework when a regulated payment service is provided (e.g. refund rights for unauthorised transactions, safeguarding of funds).
11. Donations. If you make a donation to a charity on the Meta Products, the following terms apply:
    1. Donations made to PayPal Giving Fund ("PPGF"), including in the US, Canada, Australia and the UK. PPGF is a registered public charity, which means your donation will be made to PPGF and not directly to your designated charity. Donations are processed by PayPal, PPGF's third-party service provider and received by the PPGF entity registered in the associated country, subject to PPGF's Terms and Policies. Each time you make a donation to PPGF on the Meta Products, you agree to PPGF's Terms and Policies. When you make a donation to PPGF, you are recommending that PPGF make a corresponding grant to the designated charity in the amount of your donation. PPGF will grant the funds you donate to your designated charity in accordance with their policies. PPGF will email you an official donation receipt for tax records. You agree that we do not make any endorsements or representations about PPGF or your designated charity, and are not liable for PPGF's or your designated charity's acts or omissions.
    2. When you make a donation, you acknowledge that you make this donation as a charitable contribution and that you are not receiving any goods or services in return. As the tax laws vary by state and by country, please consult a tax professional regarding the deductibility of this donation. We make no representations or warranties with respect to the charitable status of a charity or eligibility for any tax-related benefits or deductions arising out of a donation.
    3. We reserve the right to refuse to process your donation if the designated charity fails to comply with our terms and policies, including our Charitable Donation Terms. If we refuse to process a donation, you may be entitled to a refund subject to PPGF's Terms and Policies.
    4. Fundraising campaigns to benefit charities may be created by users ("Fundraiser Creators"). If a Fundraiser Creator pledges to match donations to a fundraising campaign, you acknowledge that we do not guarantee that the Fundraiser Creator will fulfil the pledge. If you donate to a charity through such a fundraising campaign, it is subject to PPGF's Terms and Policies, including any refund rights.
    5. If you agree to make donations to PPGF on a recurring basis, you authorise us to store your payment instrument and to process your donations through PayPal, PPGF's payment processor. Your payment instrument will be charged immediately for the first donation, and then again at the beginning of each recurring donation period. Your payment instrument will be charged automatically each recurring donation period until you cancel, which you can do at any time on your Account settings page. To avoid being charged your next donation, you must cancel at least 24 hours before your next scheduled donation.
    6. You agree that we are not making any endorsements or representations about the charity and are not liable for their acts or omissions.
    7. We may make available to you the ability to cover certain fees in connection with your donation. To the extent that you agree to cover such fees, the total amount charged to you will include both the donation amount and such fees.
12. Request a Hold. When you request a hold on an item in Marketplace ("Request a Hold"), we obtain pre-approval from the issuer of your selected payment method for an amount determined by the cost of the item ("Hold Amount"). This amount will be released back to you when the seller marks the item as sold, if the seller doesn't accept your request within 24 hours or if either of you needs to cancel.
13. No Warranties. UNLESS OTHERWISE EXPLICITLY PROVIDED BY US IN WRITING FOR A PARTICULAR PRODUCT OR SERVICE, AND FOR THOSE PRODUCTS AND SERVICES THAT YOU PURCHASED THAT ARE SOLD BY THIRD PARTIES, WE MAKE NO WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, WITH RESPECT TO ANY PRODUCTS OR SERVICES PROVIDED OR SOLD ON OR THROUGH THE META PRODUCTS. META IS NOT LIABLE FOR ACTS OF THIRD PARTIES, INCLUDING THOSE THAT MAY PROVIDE YOU WITH SERVICES RELATED TO META PRODUCTS, INCLUDING PAYMENT SERVICES.

1. Service Credits. We may allow you to prepay for certain services through the purchase of credits ("Service Credits"). Such Service Credits represent the amount that you have paid in advance for use of the services before expiry of the Service Credits, where applicable. Additional terms may apply to the services or Service Credits, including, but not limited to, terms related to Service Credits for ads that specify that they expire the latter of three years from the purchase date or the minimum period of time required by applicable law. Service Credits are only for business or commercial purposes.

   Service Credits are not legal tender or currency; are not redeemable, refundable (except where required by law, or otherwise stated in our terms) or exchangeable for any sum of money or monetary value; have no equivalent value in fiat currency; do not act as a substitute for fiat currency; and do not constitute or confer upon you any personal property right. Meta is not an operator of a digital wallet or a stored value facility, and is not an issuer of e-money. Meta is not a bank and does not offer banking services; accordingly, Service Credits do not earn interest, are not deposit obligations and are not insured by the Federal Deposit Insurance Corporation, the Financial Services Compensation Scheme, or any other entity or insurance or deposit protection scheme, whether governmental or private.

2. Facebook Gift Card Balances. Facebook gift cards may be used to generate a gift card balance ("Gift Card Balance") through the Meta Products. You can then use this Gift Card Balance on our platform as a payment method. The following terms apply to Gift Card Balances:
   1. If you enter the gift card's PIN and click "Redeem" at www.facebook.com/giftcards/redeem, we will credit the gift card's value to your Gift Card Balance. Once you have entered the PIN on your gift card, the value you received can't be restored to the original gift card.
   2. All gift cards converted at www.facebook.com/giftcards/redeem as described above will result in Gift Card Balances that can be used exclusively to make payments to developers on the platform; your Gift Card Balance will be applied towards funding transactions that you wish to complete and if your Gift Card Balance is insufficient to complete a transaction, we will ask you to elect an additional payment method to cover the difference. Gift cards converted in certain games, however, may result in value that can only be used within that game, or in other games from the same developer.
   3. We are not a bank, so Gift Card Balances are not deposits and they do not earn interest. Gift Card Balances are not insured by the Federal Deposit Insurance Corporation, the Financial Services Compensation Scheme or any other entity or insurance scheme, whether governmental or private.
   4. We may change the process to convert gift cards into Gift Card Balances, or the ways that you can use your resulting Gift Card Balance, at any time as we deem necessary without prior notice to the full extent permitted by law.
   5. Some Facebook gift cards have bonus offers. Bonus offers are open to customers who redeem a participating Facebook gift card during the offer period stated on the gift card packaging. To obtain the bonus item, visit www.facebook.com/giftcards/redeem, enter the gift card PIN when prompted and follow the instructions to receive your item. We will not give notice of the expiry of these bonus offers. Free gift items may vary; average retail value of items will range from approximately one to fifteen USD ($1-15). Bonus offers may not be combined with other offers and discounts, nor exchanged, nor redeemed for cash. Other Terms and Conditions may apply to the use of Facebook Gift Cards and of www.facebook.com; see site for details.
   6. You may not sell your Gift Card Balance or any portion thereof, nor transfer any portion thereof to anyone outside of the Meta Products.
   7. Gift Card Balances are not redeemable for any sum of money or monetary value from us unless required by law.
   8. Facebook gift cards and Gift Card Balances don't expire. However, Gift Card Balances are subject to our Abandoned Property provision (see Clause III, Section 6, below).
3. Incompatibility. You may at some point encounter an app or feature that does not support the payment method you would prefer to use; however, you can select a different type of payment instrument (such as credit or debit card, or mobile operator billing).
4. Mobile billing. Mobile network billing is another payment method that we have made available for your convenience. If you use mobile billing as a payment credential, you consent to the following applicable risks and other terms:
   1. By choosing the mobile billing payment method, you agree that we and your mobile operator may exchange information about you in order to facilitate completion or reversal of payments, resolution of disputes, provision of customer support or other billing-related activity.
   2. You are responsible for any charges, fees, changes to your mobile plan service or billing, alterations to your mobile device or any other consequence that may arise out of your use of mobile billing.
   3. If you use mobile billing, you are bound not only by these Payments Terms, but also by the Terms and Conditions of your mobile operator.
   4. If you have any questions about any charges or fees that appear on your mobile phone bill, you may contact your mobile provider's customer service division.
   5. Sometimes, use of mobile billing may lead to charges that, for various technical reasons beyond our control, cannot be refunded to you. In these cases, we have the right, but not the obligation, to issue you a courtesy credit.
5. Boleto. If you use Boleto as a payment method, you consent to the following applicable risks and other terms:
   1. Refunds. Due to technical limitations, we are ONLY able to provide refunds by making a bank transfer into a bank account. If you make a purchase with Boleto and later request a refund for any reason, you MUST have a bank account in order to receive the refund. Bank account information provided when requesting a refund should be the same information as on the ad account. Click here for more information about the refund process.
   2. Safety. We may delay or limit the availability of your purchase, for either safety reasons or to make sure that we possess all relevant information necessary to process the payment and deliver to you what you have paid for.
   3. Information. You agree and consent that we will store your tax ID (CNPJ/CPF). We may use your tax ID to obtain additional information about you, necessary to process the payment, from the federal tax ID registration database provided by the Brazilian government, via a third-party processor. We will also submit final tax documents to the Brazilian government as required.
6. If you are an Advertiser in India (as defined in the Country-specific Ads Terms) placing an Order (as defined in the Self-serve Ad Terms) using a no-cost equated monthly instalment payment option for payments made by you to Meta to add to your Service Credits, you hereby consent to the specific terms applicable to this payment option: No-cost EMI terms.
7. If you are an advertising agency in Brazil, you cannot use any credit line issued by us to an advertiser to advertise on behalf or interest of any third party. Credit lines issued to advertising agencies can only be used directly by the advertising agency for the advertising agency's own benefit or interest.

1. At-will use. (a) We may revoke your eligibility to make payments through the Meta Products at any time at our sole discretion. (b) For consumers and small businesses in Australia, we may revoke your eligibility to make payments through Meta Products at any time, acting reasonably, including if (i) you have materially breached these Payment Terms; (ii) we are required by law or a regulatory authority to do so; or (iii) if it is reasonably necessary to protect our legitimate interests.
2. Enquiries. By using payments features through the Meta Products, you acknowledge and agree that we may make any enquiries that we consider necessary, either directly or through third parties, concerning your identity and creditworthiness.
3. Our right to cancel. We may cancel any transaction if we believe that the transaction violates these Payments Terms or the Terms, or if we believe that doing so may prevent financial loss. To the extent permitted by applicable law, we may also cancel any Gift Card Balance or Service Credits accumulated, transferred, assigned or sold in connection with any fraudulent or illegal behaviour or breach of applicable terms.
4. Payment and payout limitations . In order to prevent financial loss to you or to us, we may place a delay on a payment for a period of time, or limit or disable payment instruments for a transaction, or limit your ability to make and receive a payment, or impose or adjust caps on payouts of creators' earnings, or deactivate your account. Additionally, if you have designated a payment instrument, and it cannot be charged for your transaction, including but not limited to, due to fraud risk, insufficient funds or because it has a history of being declined or is expired, you authorise us to charge the amount due to complete that transaction to your other payment instruments saved in your account. We may also require that you complete additional verification or authentication.
5. Sharing of information. In order to prevent financial loss to you or to us, we may contact your payment instrument issuer, law enforcement or affected third parties (including other users) and share details of any payments that you are associated with, if we believe that doing so may prevent financial loss or a violation of law and/or our policies. As further detailed in the applicable privacy policy, we also share information with third parties such as payment service providers, including information required to complete your transaction, such as order, payment, contact and delivery information.
6. Abandoned property. If you leave a Gift Card Balance unused for the period of time set forth by applicable laws for unclaimed property, or if you delete your account and you did not breach applicable terms or policies, and leave a Gift Card Balance, or if we deactivate your account for reasons other than for your breach of the applicable terms or policies, and you do not meet any conditions necessary to reinstate it within six (6) months, we may process your Gift Card Balance in accordance with our legal obligations, including by submitting funds associated with your Gift Card Balance to the appropriate governing body as required by law.
7. Suspension/forfeiture of Service Credits. We reserve the right to suspend or terminate your account if you are in breach of applicable terms or policies, and, where required by law, you do not meet all the conditions necessary to reinstate your account within six (6) months. Furthermore, we may also retain your unused Service Credits and any prepayment, which shall be forfeited, to the extent permitted by law. Such an amount is a fair, reasonable estimate and is not a penalty.

1. Customer assistance. Subject to Sections 2, 3, 4 and 5 below, we provide various tools in our Support Centre to assist you in communicating with a third party to resolve a dispute arising from a payment transaction.
2. No liability for underlying transaction. If you enter into a transaction with a third party and have a dispute over the goods or services that you purchased or over the donation you made, we have no liability for the goods or services underlying the transaction or for how the third party used your donation. Our only responsibility is to handle your payment transaction. All payments are final unless otherwise required by law. If you order something that becomes unavailable before it can be provided to you, you may request a refund of your payment.
3. Fraud warning. Use of Meta Payments to perform fraudulent activities or transactions may result in the loss of funds with no recourse. See Clause VI below for the state-specific fraud notices.
4. Duty to notify us. (a) If you believe that an unauthorised or otherwise problematic transaction has taken place under your account, you agree to notify us immediately, so that we may take action to prevent financial loss. Unless you submit the claim to us within 30 days after the charge, you will have waived, to the fullest extent permitted by law, all claims against us arising out of or otherwise related to the transaction. (b) For consumers and small businesses in Australia, if you believe that an unauthorised or otherwise problematic transaction has taken place under your account, you agree to notify us immediately, so that we may take action to prevent financial loss.
5. Intervention. We may intervene in disputes concerning payments that may arise between you and a developer or a merchant, but we have no obligation to do so.
6. Technical difficulties. If you experience a technical failure or interruption of service that causes your payment to fail, you may request that your transaction be completed at a later time.

1. Notice to you. By using payments features through the Meta Products, you agree that we may communicate with you electronically any important information regarding your payments or your account. We may also provide notices to you by posting them on our website, sending them to you through an in-app notification or by sending them to an email address or street address that you previously provided to us. All notices shall be considered received by you within 24 hours of the time posted or sent; notices by posted shall be considered received within three (3) working days of the time sent.
2. Notice to us. Except as otherwise stated, you must send notices to us relating to payments through the Meta Products and these Payments Terms by post to: Meta, Attn: Legal Department, 1 Meta Way, Menlo Park, California, 94025, US.
3. Amendment guidelines. We may update these Payments Terms at any time without notice as we deem necessary to the full extent permitted by law. The Payments Terms in place at the time that you confirm a transaction will govern that transaction.

The following provisions apply solely to users of Meta-processed Payments:

1. For Alaska residents only: If your issue is unresolved by Meta Payments Inc. (+1 888 851 6382), please submit formal complaints with the State of Alaska, Division of Banking and Securities. Please download the form here: http://www.commerce.alaska.gov/web/portals/3/pub/DBSGeneralComplaintFormupdated.pdf/. (NMLS ID 918740)

Submit formal complaint form with supporting documents to:

Division of Banking and Securities, PO Box 110807 Juneau, AK 99811-0807.

If you are an Alaska resident with any questions regarding formal complaints, please email us at dbs.licensing@alaska.gov or call +1 907 465 2521

2. Arizona users: Money transmission can pose significant fraud risk and it is essential to exercise caution to protect yourself from becoming a victim of fraud. Always verify the recipient to ensure that you know who you are sending money to. Avoid sending money to strangers or in response to unsolicited offers, as these are common tactics used by fraudsters. Treat money transmission like cash; once sent, it cannot be recovered. If you want to report fraud or suspected fraud, contact the consumer assistance division of Meta Payments Inc. (NMLS ID 918740) online at the Support Centre or through our automated freephone customer support line on +1 888 851 6382. If you have any questions or complaints with respect to money transmission services through Meta Payments, Inc., you may contact the Arizona Department of Insurance and Financial Institutions on +1 602 364 3100.
3. Arkansas users: Money transmission can pose significant fraud risk and it is essential to exercise caution to protect yourself from becoming a victim of fraud. Always verify the recipient to ensure that you know who you are sending money to. Avoid sending money to strangers or in response to unsolicited offers, as these are common tactics used by fraudsters. Treat money transmission like cash; once sent, it cannot be recovered. If you want to report fraud or suspected fraud, contact the consumer assistance division of Meta Payments Inc. (NMLS ID 918740) online at the Support Centre or through our automated freephone customer support line on +1 888 851 6382. If you have concerns with respect to the money transmission activities conducted via this website, you may contact the Arkansas State Securities on +1 501 324 9260 and hotline +1 800 981 4429. You can also write to 1 Commerce Way, Suite 402, Little Rock, Arkansas 72202, US, or ASDInfo@Arkansas.gov. For unresolved issues, you can file a complaint online at http://www.securities.arkansas.gov.
4. California users: If you have a complaint, contact the consumer assistance division of Meta Payments Inc. (NMLS ID 918740) online at the Support Centre or through our automated freephone customer support line on +1 888 851 6382. If you have complaints with respect to any aspect of the money transmission activities conducted via this website, you may contact the California Department of Financial Protection and Innovation on its freephone number, +1 866 275 2677 or by post via US mail at Department of Financial Protection and Innovation, Attn: Consumer Services, 2101 Arena Boulevard, Sacramento, CA 95834, US. You can also file a complaint online at https://dfpi.ca.gov/file-a-complaint.
5. Colorado users: Entities other than FDIC-insured financial institutions that conduct money transmission activities in Colorado, including the sale of money orders, transfer of funds and other instruments for the payment of money or credit are required to be licensed by the Colorado Division of Banking pursuant to the Money Transmitters Act, Title 11, Article 110, Colorado Revised Statutes. If you have a question about or problem with YOUR TRANSACTION (THE MONEY YOU SENT), you must contact the Money Transmitter who processed your transaction for assistance. The Division of Banking does not have access to this information. If you are a Colorado resident and have a complaint about THE MONEY TRANSMITTER (THE COMPANY THAT SENT YOUR MONEY), ALL complaints must be submitted in writing. Please fill in the Complaint Form provided on the Colorado Division of Banking's website and return it and any documentation supporting the complaint via post or email to the Division of Banking at: Colorado Division of Banking 1560 Broadway, Suite 975 Denver, CO 80202, US, email address: DORA_BankingWebsite@state.co.us, website: https://banking.colorado.gov/industry/money-transmitters.
6. Connecticut users: Meta Payments Inc. (NMLS ID 918740) is licensed and regulated as a money transmitter by the Connecticut Department of Banking.
7. Florida users: If you are a user in the State of Florida and you still have an unresolved complaint regarding Meta Payments Inc.'s (NMLS ID 918740) money transmission activity after first contacting Meta Payments Inc., please direct your enquiry to: Florida Office of Financial Regulation, 200 E. Gaines Street, Tallahassee, FL 32399-0376, US or on +1 800 848 3792.
8. Illinois users: If you are a user in the State of Illinois and you still have an unresolved complaint regarding Meta Payments Inc.'s (NMLS ID 918740) money transmission activity after first contacting Meta Payments Inc., please direct your enquiry to: Illinois Department of Financial and Professional Regulation on +1 888 473 4858.
9. Kansas users: If you have any questions or complaints with respect to money transmission services through Meta Payments, Inc., you may contact the Kansas Office of the State Bank Commissioner on +1 785 380 3939.
10. Maine users: Meta Payments Inc. (NMLS ID 918740) is licensed and regulated as a money transmitter by the Maine Bureau of Financial Institutions (+1 800 965 5235). If you have a complaint, contact the consumer assistance division of Meta Payments Inc. online at the Support Centre or through our automated freephone customer support line on +1 888 851 6382.
11. Maryland users: The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents regarding Meta Payments Inc., (NMLS ID 918740) licence number 918740, at 1100 N. Eutaw Street, Suite 611, Baltimore, MD 21201, US, phone +1 888 784 0136. NMLS Consumer Access website is https://www.nmlsconsumeraccess.org/.
12. Minnesota users: If you have any questions or complaints with respect to money transmission services through Meta Payments, Inc., you may contact the Minnesota Department of Commerce on +1 651 539 1600. If you want to report fraud or suspected fraud, contact the consumer assistance division of Meta Payments Inc. (NMLS ID 918740) online at the Support Centre or through our automated freephone customer support line on +1 888 851 6382.
13. Nebraska users: If you have any questions or complaints with respect to money transmission services through Meta Payments, Inc., you may contact the Nebraska Department of Banking and Finance on +1 877 471 3445.
14. Nevada users: Nevada customers can contact the Nevada Financial Institutions Division with questions or complaints about the licensee's money transmission services. The Nevada Financial Institutions Division can be reached at +1 702 486 4120.
15. New York users: Meta Payments Inc. (NMLS ID 918740) is licensed and regulated as a money transmitter by the New York State Department of Financial Services. New York customers can direct unresolved complaints to Consumer Assistance Unit, NYS Department of Financial Services, One Commerce Plaza, Albany, NY 12257, US, +1 877 BANK NYS (+1 877 226 5697), www.dfs.ny.gov/consumer/fileacomplaint.htm.
16. North Dakota users: North Dakota customers can contact the North Dakota Department of Financial Institutions with questions or complaints about the licensee's money transmission services. North Dakota Department of Financial Institutions +1 701 328 9933.
17. South Carolina users: If you have any questions or complaints with respect to money transmission services through Meta Payments, Inc., you may contact the Office of the South Carolina Attorney General – Money Services Division on +1 803 734 1221.
18. South Dakota users: South Dakota customers can contact the division with any questions or complaints about the licensee's money transmission services. South Dakota Division of Banking +1 605 773 3421.
19. Tennessee users: Tennessee customers can contact the division with questions or complaints about the licensee's money transmission services. Tennessee Department of Financial Institutions +1 615 741 2236.
20. Texas users: If you have a complaint, first contact the consumer assistance division of Meta Payments Inc. online at the Support Centre or through our automated freephone customer support line on +1 888 851 6382. If you still have an unresolved complaint regarding Meta Payments Inc.'s money transmission or currency exchange activity, please direct your complaint to: Texas Department of Banking, 2601 North Lamar Boulevard, Austin, Texas 78705, US, +1 877 276 5554 (freephone), www.dob.texas.gov.
21. Vermont users: Meta Payments Inc. (NMLS ID 918740) is licensed and regulated as a money transmitter by the Vermont Department of Financial Regulation. If you have a complaint, first contact the consumer assistance division of Meta Payments Inc. online at the Support Centre or through our automated freephone customer support line at +1 888 851 6382. If you still have an unresolved complaint regarding Meta Payments Inc.'s money transmission activity, please use this form to file a complaint with the Vermont Department of Financial Regulation.
22. Virginia users: If you have any questions or complaints with respect to money transmission services through Meta Payments, Inc., you may contact the Virginia Bureau of Financial Institutions on +1 800 552 7945.

1. Terms of Service and conflict of terms. Our Terms of Service ("Terms") apply to your use of payments features through the Meta Products. In the event of any conflict between these Payments Terms and the Terms, the Payments Terms shall prevail. You may be subject to additional third-party Terms and Conditions, which are hereby incorporated by reference. Such terms may include terms from Apple or Google for purchases of Meta Products made through their services. You are solely responsible for compliance with such third-party terms.
2. Conflict of laws. Some countries may restrict or prohibit your ability to make payments through the Meta Products. Nothing in these Payments Terms should be read to override or circumvent any such foreign laws.
3. Courtesy translations. These Payments Terms were written in English (US). To the extent that any translated version of these Payments Terms conflicts with the English (US) version, the English (US) version controls.
4. Trade sanctions. You must not use payments features through the Meta Products in connection with activities, individuals or entities that are located in a country or region that is embargoed by the United States or that would otherwise violate applicable US or non-US trade sanctions.
5. "Us". Without limiting Section 1, above, the following are the entities to which "us", "we" or "our" refer:
   1. To the extent that you initiate a payment, other than a Meta-processed Payment, through the Meta Products or we initiate a debit or charge to your payment instrument, these Payment Terms are between you and (a) Meta Platforms, Inc., if you are a resident of or have your principal place of business in the US, Canada, United Kingdom or in a country other than those in the European region (including those in the European Economic Area and European Union), or (b) Meta Platforms Ireland Limited if you are a resident of or have your principal place of business in countries in the European region, including those in the European Economic Area and European Union, but excluding the United Kingdom, as provided under the Terms presented at the time of payment.
      1. To view the Meta Platform, Inc.'s Privacy Policy, please visit: https://www.facebook.com/about/privacy.
      2. To view the Meta Platforms Ireland Limited Privacy Policy, please visit: www.facebook.com/payments_terms/EU_privacy
   2. To the extent that you use Meta-processed Payments and are a resident of or have your principal place of business in the US or Canada, these Payments Terms are between you and Meta Payments Inc. – a Florida corporation.
   1. To view Meta Payments Inc.'s Privacy Policy, please visit: https://www.facebook.com/payments_terms/privacy.
   2. Meta Payments Inc. is licensed as a transmitter of money in various jurisdictions in the United States. To view Meta Payments Inc.'s Money Transmitter Licences, please visit: https://www.facebook.com/payments_terms/licenses.
   3. To the extent that you use Meta-processed Payments and are a resident of or have your principal place of business in a country other than the US or Canada, these Payment Terms are between you and Facebook Payments International Ltd. – a private limited company in the Republic of Ireland.
   1. However, if you are a resident of or have your principal place of business in Brazil, your payment may be taken directly by Facebook Online Serviços do Brasil Ltda. in accordance with these Payments Terms.
   2. To view the Privacy Policy of Facebook Payments International Ltd., please visit: www.facebook.com/payments_terms/EU_privacy
   4. Storing a payment instrument.
   1. To the extent that you store a payment instrument with us through the Meta Products and are a resident of or have your principal place of business in countries in the European region, including those in the European Economic Area and European Union, but excluding the United Kingdom: Facebook Payments International Ltd. – a private limited company of the Republic of Ireland – is responsible for storing your payment instrument under these Payment Terms and Facebook Payments International Ltd.'s Privacy Policy also applies.
   1. To view the Privacy Policy of Facebook Payments International Ltd., please visit: www.facebook.com/payments_terms/EU_privacy
   2. To the extent that you store a payment instrument with us through the Meta Products and are a resident of or have your principal place of business in the US, Canada, United Kingdom or in a country other than those in the European region (including those in the European Economic Area and European Union): Meta Payments Inc. – a Florida corporation – is responsible for storing your payment instrument under these Payment Terms and Meta Payments Inc.'s Privacy Policy also applies.
   1. To view Meta Payments Inc.'s Privacy Policy, please visit: https://www.facebook.com/payments_terms/privacy.
   2. Meta Payments Inc. is licensed as a transmitter of money in various jurisdictions in the United States. To view Meta Payments Inc.'s Money Transmitter Licences, please visit: https://www.facebook.com/payments_terms/licenses.
   5. Meta Platforms, Inc. may designate other legal entity(s) to collect funds from and provide certain related services in its (their) own name to certain users on behalf of Meta Platforms, Inc. Meta Platforms, Inc. may also designate Meta Platforms Ireland Limited or other legal entity(s) as an intermediary/platform operator for VAT/GST purposes (and other similar taxes as determined) to the extent legally permissible under applicable tax regulations, to authorise the charge to users, issue invoices to users and collect payment from certain users relating to the delivery of certain products/services. Meta Platforms, Inc. may also designate Meta Platforms Ireland Limited or other legal entity(s) as the responsible party(s) to charge, collect, report and remit applicable VAT/GST (and other similar taxes as determined) on the supplies of certain products/services to users to tax authorities in the relevant jurisdictions.
6. "Meta-processed Payments". As used in these Payments Terms, "Meta-processed Payments" refers to payment transactions initiated through the Meta Products and processed by Meta Payments Inc. or Facebook Payments International Ltd. Meta-processed Payments includes P2P in the US and certain payments to developers for digital goods through the Meta Products.